Ron Surz is no fan of the target date fund landscape. 

Surz, RIA, former rocket scientist and one-time senior vice president at pension consultant A.G. Becker, thinks the lion's share of TDF options carry far too much equity risk at the end of glide paths, and charge 401(k) plan participants far too much in fees. 

These days, he's the president of Target Date Solutions, an Orange County-based consultancy that has patented a target date allocation model, branded as Safe Landing Glide Path. 

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